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insurance disputesWhen your insurer
lets you down — we step in
Insurance is meant to provide peace of mind and protect you when things go wrong. But too often, valid claims are unfairly denied, delayed, underpaid, or unfairly rejected adding stress to an already difficult situation.
At Horsley Law we deal with both personal and commercial insurance Disputes. While the policies may differ in scale and purpose, both rely on trust—and when that trust breaks down, we’re here to help.
insurance disputePersonal insurance
This is designed to protect individuals and families from unexpected financial loss. Personal insurance focuses on safeguarding your home, belongings, travel plans, or personal wellbeing.
Whether it’s home insurance covering damage to your property, motor insurance for accidents or theft, or life and health cover for serious illness or loss of income, these policies offer peace of mind during life’s most difficult moments.
Commercial insurance
This is taken out by businesses to protect their operations, assets, and employees and is structured to address the risks associated with operating a business, including coverage for property, liability, employees, and business interruption.
insurance disputesWhy claims are disputed
Insurance disputes are often caused by common issues—we’ve set out the main ones below which covers both Personal Insurance and Commercial Insurance.
- Non-disclosure & misrepresentation
Where Insurers allege you have failed to provide full and accurate information when taking out the policy. - Policy interpretation issues
Confusion or disagreement over wording, definitions, and exclusions. - Delayed claims handling
Excessive delays in assessing and settling valid claims. - Non-payment or delayed payment of claims
Insurers refusing to pay or significantly delaying valid claims. - Underinsurance issues
Claims being reduced or denied because the insured value is less than the actual loss.
insurance disputesFind out if you have a claim
If you believe you may have a claim, simply complete the request form and we’ll be in touch—or feel free to book a no-obligation call via Calendly to discuss your case.
CONTACT HORSLEY LAWCall us today, e-mail us or leave a message
FIND OUT IF YOU HAVE A CLAIMRequest your free consultation
What our clients sayTestimonials
What should I do if my insurance company wrongfully denies my claim?
Gather all policy documents, correspondence, and evidence of loss. We review policy wordings and challenge unjustified rejections on your behalf.
What kinds of insurance claims can you help resolve?
We assist when insurers fail to pay out, handling everything from large-scale property fires to small-scale residential claims like burst pipes.
My insurer has not decided my claim after months. What can I do?
Keep a chronology of contact, ask for a written explanation and check the policy and claims process. Complaints and other remedies may be available depending on the circumstances.
Can I challenge a low insurance settlement offer?
You may be able to challenge the insurer’s assessment using policy wording, loss evidence and independent valuations. Be cautious about accepting a full-and-final settlement.
My insurer says I failed to disclose information. Does that mean my claim is lost?
Not necessarily. The legal test and possible remedies depend on whether the policy is consumer or business insurance and the circumstances of the alleged non-disclosure.
What happens if my property was underinsured?
Some policies contain average or proportionate-settlement provisions. The effect depends on the wording, valuations and the information supplied when arranging cover.
Should I complain to my insurer before instructing a solicitor?
A written complaint can help clarify the decision and may be required before an eligible Financial Ombudsman Service referral. Urgent legal deadlines should still be checked.
Can I take an insurance dispute to the Financial Ombudsman Service?
Eligible complainants may use the Financial Ombudsman Service after the insurer’s final response or applicable waiting period, subject to jurisdiction and time-limit rules.
Can I dispute a rejected business interruption insurance claim?
Potentially. The policy wording, insured event, exclusions, causation and evidence of turnover or loss are central to any assessment.
What evidence should I keep after a fire, flood or escape of water?
Keep photographs, emergency reports, repair estimates, invoices, loss inventories and insurer communications; take reasonable steps to reduce further damage where safe.
Can my insurer be made to pay my legal costs?
Costs recovery depends on the forum, outcome, policy provisions and applicable rules. We can explain potential exposure before proceedings.
